Frequently asked questions

Below are answers to some frequently asked questions. If you have a question that isn't answered below please Contact Us.
What is the NRA Pharmacy Discount Card program?
The NRA Pharmacy Discount Card program is a prescription savings solution. Pre-activated, FREE and ready to use immediately, these cards can help you save up to 75% on all of your prescription medications. With discounts on virtually every medication sold at every pharmacy nationwide, the NRA Pharmacy Discount Card saves families an average of $300 per year. There are absolutely NO FEES to use these cards and you will never be charged for them.
How can the NRA Pharmacy Discount Card help?
The percentages of people who are uninsured and underinsured in the U.S. are currently at a record high. With millions of people lacking coverage to purchase prescription medications, many are forced to pay out-of-network prices. The NRA Pharmacy Discount Card provides users with savings of up to 75%, providing them with relief from the already high and continually rising costs of prescription medications. The card also complements existing insurance. While our program helps the uninsured and underinsured, no policy can cover every medication all the time. However, our card does, so even those with comprehensive insurance plans can benefit from the NRA Pharmacy Discount Card.
How do I get a discount?
Bring your NRA Pharmacy Discount Card along with your prescription to the pharmacy and present it every time you pay for your prescriptions. If your pharmacist isn't familiar with our prescription medication discount program, please have him or her call 1-866-978-1106, toll-free.
Where do these discounts come from?
Administered through OptumRx®, the NRA Pharmacy Discount Card program leverages a large network and buying power to provide access to better pricing and meaningful discounts. Every time a customer uses an NRA Pharmacy Discount Card to save on a prescription, we receive a standardized fee through the pharmacy benefit management system. Because the NRA Pharmacy Discount Card is not insurance, it’s FREE. People who use our program save on average about 40% off the retail price.
Are you a Discount Medical Program (DMPO)?
No, we are neither a Discount Medical Program nor are we a medical insurance company. Our program is not insurance. We are not designed to replace your medical insurance.
What type of discounts can I expect?
Discounts vary based on the type of prescription. Discounts can range up to 75% off the retail price, but the average discount is nearly 40%.
Can I get a discount at my pharmacy?
Yes, virtually every pharmacy accepts our discounts. To see a list of pharmacies that accept the NRA Pharmacy Discount Card, please visit our home page.
What if my pharmacist does not know what to do with the card?
If your pharmacist isn't familiar with our prescription drug discounts, please have him or her call 1-866-978-1106, toll-free. Every card has this customer service number on it. Our pharmacist helpline is open 24 hours a day, 7 days a week and will assist your pharmacist with the simple process.
What if the discount I receive is different than what I expected?
This may happen, since drug prices differ by drug store and location. To avoid surprises, please ask your pharmacist for the exact discount that you will receive before you purchase a prescription.
Do I need to register or pay for this service?
No, this is a FREE program. There are no restrictions for pre-existing conditions and you do not need to fill out any paperwork. It is available to all U.S. residents and is only available for use at pharmacies in the U.S.
What happens when I use my card?
When you bring your card to your local pharmacy, your pharmacy will input your information in its computer. Once the information has been stored by the pharmacist, each time you return to the pharmacy, you will be eligible to get a discount.
Can I use this discount with my current insurance?
If you have insurance, you should bring both your insurance card and NRA Pharmacy Discount Card to your pharmacist and ask which gives you the better discount. Our program is not designed to add discounts to discounts you are already receiving from your current provider, nor is it designed to reduce your co-pay.

If you have an insurance plan that is affordable, do not drop the plan. Please keep in mind that many insurance programs do not cover drugs for which we provide discounts.
Does using this program count toward my insurance deductible?
If you have health insurance: If you have a deductible, the purchases you make using this program will almost certainly not count toward your deductible. Of course, we suggest you contact your insurance company to get the specifics, because not all insurance plans are the same.

If you have an HSA or HRA plan: If you have a deductible, and our discounts or card reduce the costs of your prescriptions, using our program will most likely count towards your deductible, but it will take you longer to reach your full deductible (if you reach it at all). Of course, we suggest you contact your HSA or HRA provider to get the specifics, because not all plans are the same.

Again, if you have health coverage of any kind, we suggest you contact your plan administrator to get the specifics, because not all plans are the same. The NRA Pharmacy Discount Card is not insurance.
I have unused medications, how should I dispose of them?
Most drugs can be thrown in the household trash, but consumers should take certain precautions before tossing them out, according to the Food and Drug Administration (FDA). A few drugs should be flushed down the toilet. And a growing number of community-based "take-back" programs offer another safe disposal alternative. 
For more information about disposing of your drugs, please visit the following FDA website: How to Dispose of Unused Medicines
Important note for Medicare users
Although this discount can be used as a Medicare Part D supplement by covering drugs once participants reach the "donut hole," drugs purchased with this discount program will not count toward your Medicare deductible and therefore will not allow you to exceed your deductible and get out of the "donut hole." We suggest you contact your plan administrator to get the specifics, because not all plans are the same.